FAQ

What is pet insurance?
Pet insurance is a way to budget  against the unexpected expenses of owning a pet.Our experience has  shown it is invaluable and takes much of the stress away from the  owner if an animal becomes ill.

How does pet insurance work?
You pay a monthly premium to the insurance company,and in exchange of your pet becomes poorly and needs veterinary care ,the insurance company will refund you the costs of this treatment subject to the terms of their contract with you.

If you need to make a claim,our office  will help you fill in a claims form.All insurance policies take one  excess per condition claimed for,and some policies take a percentage  of the remaining fees in addition to this.

The premium paid will depend on the  company you choose and the cover you request.A major consideration is  whether to choose’ lifelong cover ‘ or ‘annual cover’.You  must also be careful to read the small print as some insurance  companies can  refuse for instance to pay for hospitalisation fees  ,and some companies prove difficult to contact once you make a  claim.Sadly we are not allowed to advise you specifically on  companies  difference between Lifelong Cover and Annual Cover.

With Annual Cover, your policy will  only pay out for 12 months from the first time your pet had symptoms  ,or symptoms that could be related to the disease claimed for.These  policies can be very frustrating for the owner .They are in my  opinion good budget policies and better than nothing BUT you must  understand the limitations of the policies.

With a Lifelong Policy,should the  illness last more than 12 months,for example arthritis , the policy  will not stop covering your pet 12 months after the first  presentation.Lifelong policies are much better BUT cost more.You get  what you pay for!.Personally my advice would be to search out a  Lifelong Policy,and several  companies now offer these.

With a Lifelong Policy,should the  illness last more than 12 months,for example arthritis , the policy  will not stop covering your pet 12 months after the first  presentation.Lifelong policies are much better BUT cost more.You get  what you pay for!.Personally my advice would be to search out a  Lifelong Policy,and several  companies now offer these.

Payment of fees when insured
We understand the reason many people have taken out pet insurance is to better budget for unforeseen expenses.Therefore we offer an option wherein the owner pays us the excess due,and can sign the claims form over to us.However there are a couple of companies we have had very poor experiences with claiming the money back from,and although I am not allowed to put these down in print,if your policy is with one of these companies ,then this option will not be open to you.We are happy to advise you of this before we proceed with the work.

It is worth noting that an excess is  taken for each condition claimed for,AND once yearly in addition to  this.The year is taken on the policy anniversary.

If there is doubt as to whether a  policy will pay out ,you can request a preauthorisation from the  company and we can help with this.

Fees
Martin and Carr is a private veterinary practice and receives no state help.The fees charged pay towards the building and running costs,the staff salaries,investment in most up to date diagnostic equipment,staff training and continued education.

For up to the minute quotation of fees  please ring our reception on 01386 553631.We are also happy to  provide a quotation for any work we propose to do for you.

 

Out of hours/emergencies
Our normal hours are: 8.30am to 6.00pm Monday to Friday

8.30am to 1.00pm Saturday.

If you contact outside our normal hours  you will be directed to the emergency vet.

Our emergency vet will be one of the  vets from our practice, and emergency cases are generally seen at the  Pershore surgery.If you normally attend one of the branch surgeries  then you should be reassured all the surgeries are linked through the  computer and we will be able to draw up your pet’s medical history.

It is worth noting we at Martin and  Carr vets do our own night and weekend work unlike many practices  that now export their out of hours work to night clinics very often  some miles away from the home town, and staffed by unfamiliar vets.  We charge an extra fee in addition to the normal treatment fees and  presently this is £79.76 for cases seen before 11.00pm, and  this goes up to £95.71 for cases seen between 11.00pm and  8.00am the following morning. Fees correct at 2016.

Please remember this service is for  genuine emergencies only.

Open surgeries and appointments
We offer we a combination of open surgeries and appointments.

With our open surgeries you simply turn  up between the times listed for each clinic and you will be seen with  your pet on a first come first served basis.

We also offer appointments at our  Pershore and Evesham clinics .Please phone the surgery for further  details.

Visits
We understand sometimes a home visit maybe necessary. There is an extra charge for this service as inevitably it takes up more time for our staff.

We reserve the right to judge whether a  home visit is safe for the attending vet to perform.

Insurance companies will seldom pay for  home visits.

Please phone the surgery for further  details.

Complaints
Should you feel our service to you falls below what you expect we would kindly request you call and ask to speak to either Mr Tom Carr or Mrs Alison Carr.We take all complaints seriously and will endeavour to investigate and treat all cases sympathetically and fairly.